Compare 2004 Saturn VUE Insurance Quotes

Looking for cheaper insurance coverage rates for your Saturn VUE? Finding cheaper insurance for a new or used Saturn VUE can be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to buy insurance coverage and we’ll show you the proper way to quote coverages on a Saturn and locate the lowest possible price either online or from local insurance agents.

Shopping for more affordable auto insurance coverage is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Drivers just need to know the proper way to get comparison quotes over the internet.

Don’t overlook these insurance discounts

Some insurance providers do not list every policy discount in a way that’s easy to find, so the following list contains a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
  • ABS Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on VUE coverage than drivers with accidents.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Data Collection Discounts – People who choose to allow their insurance company to analyze driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
  • No Claims – Good drivers with no accidents have much lower rates as compared to frequent claim filers.
  • Savings for New Vehicles – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save – Some companies reward drivers for switching companies prior to your current policy expiration. You may see this discount when you get car insurance quotes online.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

A few popular companies and some of their more popular discounts can be read below.

  • State Farm discounts include accident-free, multiple policy, anti-theft, defensive driving training, good driver, and Steer Clear safe driver discount.
  • Farmers Insurance has savings for youthful driver, pay in full, bundle discounts, multi-car, teen driver, distant student, and good student.
  • Geico offers premium reductions for emergency military deployment, air bags, daytime running lights, military active duty, driver training, anti-theft, and multi-policy.
  • American Family may offer discounts for defensive driver, multi-vehicle, mySafetyValet, air bags, Steer into Savings, bundled insurance, and good student.
  • Nationwide includes discounts for business or organization, accident-free, good student, anti-theft, defensive driving, and Farm Bureau membership.
  • Progressive offers discounts for online quote discount, online signing, multi-policy, good student, continuous coverage, homeowner, and multi-vehicle.

Check with each company how you can save money. Some discounts listed above may not apply to policies in your area. To see a list of insurers that offer discounts, click this link.

Insurance premium influencing factors

Lots of factors are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are not as apparent such as your marital status and annual miles driven.

  • Annual mileage and car insurance costs – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how much you drive. Cars and trucks that are left in the garage can be on a lower rate level than cars that get driven a lot. A policy that improperly rates your VUE may be costing you higher rates. Make sure your vehicle rating reflects the correct usage.
  • Your credit score is important – An insured’s credit history can be a huge factor in determining premium rates. If your credit is low, you could be paying less to insure your 2004 Saturn VUE if you improve your credit rating. Insureds with high credit ratings tend to be more responsible and file fewer claims than those with poor credit scores.
  • More people means more accidents – Choosing to live in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. City drivers have to deal with more auto accidents and much longer commute distances. Spending more time driving means a statistically higher chance of an accident.
  • Older drivers are lower risk – Beginning drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Older drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • Maintain car insurance coverage – Allowing your car insurance policy to lapse is a sure-fire way to bump up your car insurance costs. Not only will rates go up, not being able to provide proof of insurance could result in a license revocation or jail time.
  • Consider raising physical damage deductibles – Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your Saturn. Examples of some claims that would be covered would be collision with another vehicle, vandalism, and having your car stolen. The deductibles define how much you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount the insured has to pay upfront, the bigger discount you will receive on VUE coverage.

When to get professional advice

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining whether you will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Will my insurance pay for OEM parts?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is upholstery damage covered by car insurance?
  • Am I better off with higher deductibles on my 2004 Saturn VUE?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, nursing services, doctor visits, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Saturn VUE.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and theft. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your VUE resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Better coverage you can count on

People who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or questionable increases in premium. It doesn’t matter why you want to switch switching companies is easier than you think.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Some companies don’t offer the ability to get a quote online smaller providers only sell through independent agents. Cheaper 2004 Saturn VUE insurance is attainable both online and from local insurance agents, and you should compare rates from both to have the best rate selection.

Additional auto insurance information can be found on the following sites: